Enroll a card in 3D Secure
Last updated: April 24, 2024
3D Secure (3DS) provides an additional security layer to your cardholders when making online payments. Enabling 3DS on your cards reduces the chance of fraudulent transactions and chargeback requests.
You must enroll physical cards and multi-use virtual cards in 3DS if:
- you've issued the card within the European Economic Area (EEA) or the UK
- the card that you issued can be used for online payments within the EEA or the UK
Information
Online transactions performed using physical cards or multi-use virtual cards that have not been enrolled in 3DS are likely to be declined.
To comply with the Payment Services Directive 2 (PSD2) regulation, we support two-factor authentication. During your onboarding with us, you'll need to choose between one of the following two-factor authentication flows:
- one-time password (OTP) sent through SMS and a password chosen by the cardholder
- OTP sent through SMS and a security question and answer chosen by the cardholder
To enroll a card in 3DS via the Dashboard:
- Go to the Card Issuing > Cards page.
- Select the card you want to enroll. You can use search or filters to help find the card.
- Select Set up 3D Secure. This option will not be displayed if the card is already enrolled.
- Fill in the required details.
- Select Confirm.
Alternatively, you can enroll a card using the API:
post
https://api.checkout.com/issuing/cards/{cardId}/3ds-enrollment
The request must contain the cardholder's locale and the phone number that the OTP will be sent to.
You must also provide the authentication data that the cardholder will need to submit when completing a 3DS challenge during an online payment. Depending on your chosen authentication flow, this will either be a password, or a security question and answer pair.
1{2"password": "Xtui43FvfiZ",3"locale": "en-US",4"phone_number": {5"country_code": "+1",6"number": "415 555 2671"7}8}
If you receive a 202
response, the card was successfully enrolled in 3DS.
1{2"_links": {3"self": {4"href": "https://api.checkout.com/issuing/cards/crd_fa6psq42dcdd6fdn5gifcq1491/3ds-enrollment",5"actions": [6"GET"7],8"types": [9"application/json"10]11}12}13}
After you've enrolled a card, you can retrieve its enrollment details using the API.
Information
If your customer requests a change to their details, for example if they change their password or phone number, you should update the details of their enrolled card accordingly.
To update an enrolled card's details via the Dashboard:
- Go to the Card Issuing > Cards page.
- Select the card you want to update the details for. You can use search or filters to help find the card.
- Select Edit. This option will only be displayed if the card is already enrolled.
- Update the required details.
- Select Save.
Alternatively, you can update an enrolled card's details using the API:
patch
https://api.checkout.com/issuing/cards/{cardId}/3ds-enrollment
1{2"password": "Xtui43FvfiZ",3"locale": "en-US",4"phone_number": {5"country_code": "+1",6"number": "415 555 2671"7}8}
1{2"_links": {3"self": {4"href": "https://api.checkout.com/issuing/cards/crd_fa6psq42dcdd6fdn5gifcq1491/3ds-enrollment",5"actions": [6"GET"7],8"types": [9"application/json"10]11}12}13}